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Y Strong Customer base can be formed that can
increase subsidiary business in banks
Y Improves lifestyle and fulfills aspirations of
people by providing affordable credit.
Y Better profits

Y Establishment of sustainable business at lower

risk
 M
MM
Y Úeeds to be technologically updated.(net
banking)
Y Customers are attracted to other financial
services like mutual funds.
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Y wong term loans like housing loans needs follow

up lest it can turn to Ú
.
 M
Y Customer retention
Y Know Your Customer

Y Regulatory Compliance

Y Technology
RBI REGUw
TIOÚS
Y Repo rate 6.75 pc
Y Reverse repo rate 5.75 pc

Y 1 Basis point = 0.01 pc

Y CRR = 6 pc

Y SwR= 25 pc to 40 pc
COM
R
TIVE STUDY OF RIV
TE

ÚD UBwIC SECTOR B
ÚKS

Y rivate sector is characterized by the speed and

the customer satisfaction index in terms of
service .
Y ublic Sector banks in India are known for the
trust they have built in the minds of people of
being supported by the govt.
Y There is a lack of marketing with the public
sector compared to the private sector who bank
highly on their attractive segmented marketing
strategies.
Y The outsourcing done in private banks help them
to run their banks faster and efficiently and
concentrate more on maximizing profits than
their counterparts in the public sector banks.
Y The organization structure and the subsequent
decision making power rests in the hands of few
in public sector banks unlike in private sector
banks who are known for their fast decision
making.
Y The lengthy procedures and the requirement of
proof documents makes loan acquiring a longer
process than in private sector banks where the
managers can bank on the goodwill of the
customer.
Y however there are hidden charges associated in
banking with private sector banks
Y Eg: ICICI charges extra for more than 2
TM
transactions per month and also charges if
unused.
Y Minimum balance in private sector banks Rs
5000 and that for public sector banks Rs 500.
Y enalty for a bounced cheque in vt sector Rs
300 whereas in ublic sector bank is Rs 100.

 
 
  
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ERSOÚ
w ÚO YES
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wwIÚG ÚO YES
GIFTS
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RIZES

M hwETS ÚO YES
E M
Iw ÚO YES
TEwEVISIOÚ YES YES
ÚEWS
ERS YES YES
M
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ZIÚES YES YES
EVEÚTS YES YES
wIST OF UBwIC SECTOR B
ÚKS IÚ
IÚDI

*       *   '   
*    * '    !
*   !    % 
*   !  * ()  * +  
*   ! * ()       
$    * +   
* %     * ,%'  
* %    ! * ,    ! 
 * ,   ! 
* %       * -)   
* &   * +    '! 
*    
 p wIST OF RIV
TE SECTOR B
ÚKS IÚ
IÚDI

 Bank of unjab  ICICI Bank

 Bank of Rajasthan  IDBI Bank
 Catholic SyrianBank  IndusInd Bank
 Centurion Bank  IÚG Vysya Bank
 City Union Bank  Jammu & Kashmir
 Dhanalakshmi Bank Bank
Development Credit  Karnataka Bank
Bank  Karur Vysya Bank
 Federal Bank  waxmi Vilas Bank
 hDFC Bank  South Indian Bank
 United Western
Bank
 UTI Bank
 4% 3% H
6% P LI
S I

8% I I I
37%
HDF
M
K
11% SH
 H
P IV


IS

13% PÚ

18% 
ÚK F

D

üUERIES
???

Th
ÚK
YOU«.!!!